Ininzi yethu ixhalabele malunga nokuba ubomi bethu bubukeka njani xa sithatha umhlalaphantsi. Ngaba siya kuphelisa imali yethu? Ngaba kuya kuba nokwaneleyo ukunandipha ubomi ngokuqinisekileyo kwaye kungekhona nje ukutshatyalaliswa? Yintoni endiyenzayo namhlanje ukucwangcisa umhla olungcono?
Ngokucacileyo ukusindisa nokutyalomali zizinto ezimbini ezibalulekileyo zokukwazi ukuhlala umhlala-phantsi onomdla. Ukunika inani eliphezulu kwi-401 (k) kunye nokuthatha inxaxheba kwizicwangciso zokuthatha umhlala-phantsi ezifanelekileyo kuya kunceda ngokukhawuleza ekukhuleni kweqanda.
Ziziphi abantu abaninzi abangaziqondiyo ukuba unokukwazi ukwakha ubutyebi obuthe xaxa ekuthatheni umhlalaphantsi ngokuphucula ezinye iinkqubo zentlawulo ezinokuthi zifumaneke ngumqeshi wakho. Isibalulekileyo kukuqonda kakuhle ukuba zeziphi iiprogram ezinikezelayo, kwaye ingaba ungafaneleki okanye awufaneleki. Ezi zinzuzo iinkqubo azifanelanga kubo bonke abantu, ngoko qi ni sekise ukuba uhlolisise nomqeshi wakho ukuba ubone oko kufumaneka ngokuthe ngqo kuwe. Ukongezelela, uya kufuna ukucela ukuba inzuzo enomdla kuyo irhafu okanye irhafu yerhafu.
Plans Assistance Plans Plans (DCAPs)
IziCwangciso zoNcedo zoNyango oluxhomekeke ngabaqeshi zenzelwe ukubonelela ngeenzuzo ukwenzela ukuba bobabini abatshatileyo basebenze ngokubuyisela abasebenzi ngokunyamekela imihla kunye nezinye iindleko zonyango ezixhomekeke kuyo. Inokubonelela ngendawo yokunakekelwa yosuku okanye ilungiselelo elifanayo.
Cwangciso soNcedo lwezeMfundo
Isicwangciso soNcedo lwezeMfundo sihlawula okanye sibuyisela abasebenzi ngenxa yeendleko ezenziwa kwiiprogram zemfundo ezijoliswe ekuphuculeni izakhono ezihlobene nomsebenzi.
Ezinye izicwangciso zinokubonelela ngoncedo kwiindleko zemfundo ukuba zingabandakanyekanga kumsebenzi okanye kwimfundo yabantwana bomqeshwa okanye abanye abaxhomekeke kuyo.
Isicwangciso soNcedo soMntwana
Isicwangciso soNcedo sokuThuthwa kweNtlawulo sihlawulela okanye sibuyisela abasebenzi kubaxhamli abathintekayo bokuthobela abachaphazelekayo malunga nokumkelwa komntwana.
Isicwangciso kufuneka sibhaliwe kwaye sixhaswe ngumqeshi. Iindleko ezifanelekileyo zokuthobela zibandakanya iintlawulo ezifanelekileyo kunye neemfuneko zokuthobela, iindleko zenkundla, iindleko zommeli, iindleko zokuhamba ngexesha elide ukusuka ekhaya, ezinye iindleko ezihambelana ngqo nokuthotyelwa komthetho.
Izikhokelo zeStock Stock
Abaqeshi bavame ukusebenzisa ukukhethwa kwezithuthi njengezithuthi zokuhlawula abaphathi. Ukukhethwa kwe-Stock kunikwa ngokuthe ngqo kwixabiso elihle, ngezantsi okanye kwixabiso lentengo ekhoyo yeso sithuba ngelixesha legranti. Ekubeni iinketho zihlala zibalaseleyo kwiminyaka eyi-10, inzuzo ephezulu xa ixabiso lesitokisi liphakama ngaphezu kwexabiso lesibonelelo ngelo xesha. Ngakolunye uhlangothi, ukuba ixabiso lesitokhi liyahla, isigqeba asilahleli nayiphi na imali.
Izicwangciso zeBhonasi
Isicwangciso seBhonus yisicwangciso esingenakuqinisekiswa apho abasebenzi abakhethiweyo bafumana imali yokukhuthaza ngokunyusa umvuzo wokuphumeza iinjongo zokusebenza. Banikezeli ukuhlawulwa kwentlawulo kubasebenzi, ngaphaya kwelokuba intlawulo ihlelwa ngokugqithiseleyo kuze kube sekupheleni konyaka, kodwa ngokubanzi ichithwa kumqeshi phantsi kwemithetho efanayo neminye imbuyekezo yemali.
Ufunyano lwe frinji
I- Benefitting Benefit yiphina intlawulo okanye enye inzuzo efunyenwe ngumqeshwa ongekho ngemali.
Kukho imizekelo emininzi yeenzuzo zentsimbi:
- Izaphulelo zomsebenzi ezifanelekileyo: abasebenzi bangabandakanywa kwiholo elipheleleyo lemali izaphulelo ezithile ngokuthengwa kweempahla kunye neenkonzo zomqeshi.
- Iinkonzo ezingekho-ezongezelelweyo ngeendleko: ngokuqhelekileyo, iinkonzo ezingezezinye ezongezelelweyo zinkonzo zamandla ezingaphezulu, ezifana neenqwelo zomoya, iibhasi okanye izitimela zokuqeqesha, kwaye zinokunikezelwa kwabasebenzi.
- Ukutya kunye nokulala: umqeshi angathatha iindleko zokutya kunye nokulala okunikezelwa kubaqeshwa ukuba indleko yindleko eziqhelekileyo nezimfuneko zezoshishino.
- Iindleko zokuthutha ezifanelekileyo: ixabiso leenqwelo zomgwaqo okhutshwa ngumqeshi owenziwe ngumqeshi ekusebenziseni phakathi kwendawo yokuhlala kunye nendawo yokuhlala yengqesho ayichazwa njengenzuzo engenayo irhafu kumqeshwa. Le ngenelo inzuzo iquka ukusetyenziswa kweendlela zokuhamba kunye nokupaka okukhululekile.
- Iinkonzo zokucwangcisa umhlala-phantsi: umqeshi angabandakanyeka kumvuzo womqeshwa ukubaluleka kwanoma yiyiphi i-counseling planning plan okanye ulwazi olunikezwa ngumqeshwa okanye lakhe iqabane xa umqeshi egcina isicwangciso somhlala-phantsi esifanelekileyo.
- Izixhobo zokuzonwabisa: Umqeshi angabandakanyi ukubaluleka kokusetyenziswa komqeshwa kwendawo yokuzivocavoca okanye kwindawo ethile yezemidlalo esisebenza kumvuzo womqeshwa ukuba ubuninzi bokusetyenziswa kweso sikhungo ngexesha lonyaka wekhalenda ngabaqeshwa balo, abaqabane babo, kunye nabantwana abaxhomekeke kubo.
- Isicwangciso seNqwelo yeNkampani- abaqashi bahlala bebonelela ngeenqwelo zenkampani kubasebenzi. Kwiplani yemoto yenkampani, umqeshi ungumnikazi wemoto kwaye unelungelo lokunciphisa ixabiso lokunciphisa, kunye nezinye iindleko. Umqeshwa akayi kubona ingeniso yoshishino lokusetyenziswa kweemoto kodwa ukuhamba okanye ukusetyenziswa komntu kwintlawulo inokuhlawulwa.
Plans Golden Parachute
Izibonelelo ezivela kwi- Golden Parachute Plans zihlawulwa xa kwenzeka ukutshatyalaliswa ngokwenene okanye ukuhlanganiswa okubangelwa ukulahlekelwa kwemisebenzi yengqesho, ngaloo ndlela unikezela iinkonzo zokukhusela iimali kubaphathi abahlawulwa kakhulu abafudulwayo kunye nokuthatha inxaxheba ababandakanya abaqeshi babo.
Izicwangciso Zenkonzo Zomthetho
Iinkonzo zomthetho zinokunikezelwa kubaqeshwa xa zifunwa ngeeNkqubo zoNcedo zoMthetho. Ezi zicwangciso zibonelela ukulungiselela ukuthanda kwamagunya kunye negunya lommeli, ukutshatyalaliswa komntu, umtshato, ukugcinwa kwabantwana kunye nokukhusela izenzo zentlalo okanye ezobugebengu.
Okukwintsusa
Kukho iindlela ezininzi ezininzi zokwandisa ubuncwane kumhlala-phantsi ukuba unelungelo lokusebenzisa ezinye zezibonelelo zentlawulo. Abantu abaninzi abanakho ukuqonda ukuba le nkqubo ikhona, ngoko qi ni sekisa ukuba uthethe kumqeshi wakho namhlanje-ungayifaka imali eyongezelelweyo ephaketheni lakho!